All the usual disclaimers apply: I am not your lawyer, this is generalized information for informational purposes only and not for the purpose of providing legal advice. This is not legal advice, is not tailored to any individual situation, including OP’s situation, and does not create an attorney-client relationship. There are not enough facts available to provide legal advice, and depending on the facts and circumstances, in addition to other rules, this regulation may not apply to an individual situation. You should consult a lawyer if you want legal advice. This is not a legal solicitation and I am not authorized to accept representation of individual clients, for pecuniary gain or otherwise.
A potentially relevant regulation is 12 CFR 229.14.